AMELITO SERGIO LORICA
607 Morales Compound, Sagpon,
Daraga, Albay, Philippines
Mobile Phone Number -
Email Address:-
WORK EXPERIENCE
July 2007 to July 31, 2015
May 16, 1994 to July 2007
BANCO DE ORO (formerly Equitable PCIBank)
Risk Management
Credit Policy, Monitoring and Risk Review
Manager 2/ Senior Credit Reviewer
EQUITABLE PCIBANK (formerly Philippine Commercial International
Bank)
Credit Policy and Support Division/Credit Risk Review Section
Manager 2/ Senior Credit Reviewer
Responsible in evaluating the status of accounts in terms of repayment
capacities/condition to allow management to take prompt corrective
action and prevent further deterioration of the accounts; and assess the
unit’s compliance to policies and procedures by citing lapses/exceptions,
violations and other potential problems before the safety and soundness
of the loan portfolio becomes a serious issue.
Reviews credit, legal and collateral folders and determines whether
account officers carry out their task in accordance with the basic
principles of credit, policies set-up by the Bank and by the Bangko
Sentral ng Pilipinas. In the process, overseeing that the Bank is not
placed in unnecessary risks.
Prepares review reports focused on portfolio quality (account
classification and risk rating) and process evaluation. The components
of process evaluation are account initiation (financial and non-financial
evaluation), loan documentation, loan administration, problem
recognition, and remedial management.
Do special projects assigned from time to time.
December 1993 to May 15, 1994
PHILIPPINE COMMERCIAL INTERNATIONAL BANK
Appraisals and Credit Investigation Department
Credit Administration-Institutional Banking Sector
Credit Investigator
June 1993 - December 1993
PHILIPPINE COMMERCIAL INTERNATIONAL BANK
Peñafrancia - Naga Branch, Southern Tagalog - Bicol Area
Accounting Supervisor
AMELITO S. LORICA
Resume
Page 2
November 1992 - June 1993
PHILIPPINE COMMERCIAL INTERNATIONAL BANK
Naga Branch (San Juan - Camarines Sur Area)
Credit Processor
September 1991 to November PHILIPPINE COMMERCIAL INTERNATIONAL BANK
1992
Financial Analysis Department
Credit Administration, Institutional Banking Sector
Financial Analyst
January 1988 to September 1991
April 1988 to October 1990
January 22, 1988 to April 1988
October 1982 to March 1986
March 1984 to March 1986
March 1983 to March 1984
October 1982 to March 1983
PHILIPPINE COMMERCIAL INTERNATIONAL BANK
Ortigas Area (Greenhills Area)
Foreign and Loans Department
Export Processor
Loans And Discounts Bookkeeper
Roving Teller
DIVINE WORD COLLEGE OF LEGAZPI
Citizen’s Army Training - I Unit
Legazpi City
Tactical Officer.
Training Officer
Instructor
EDUCATION
June 1982 to March 1986
DIVINE WORD COLLEGE OF LEGAZPI
Bachelor of Science in Commerce, Major in Accounting
Membership in various school organizations such as: Junior Philippine
Institute of Accountants (JPIA), Youth Community Service Council,
Integrated Martial Arts, Red Cross Youth and Samahang Pilipino, Treasurer
of the College Student Council for two terms: 1984-85 and 1985-86, Corps
Commander of the DWCL CMT Unit (1985-86). Awarded as 1986 Best
Cadet of the 1055th Provincial Home Defense 13th Regional Defense Unit.
PERSONAL DETAILS
Born on May 7, 1965 at Quezon City, Filipino, and married with two (2) children.
Computer literate; with various trainings in the field of banking such as: Anti Money Laundering Act, International
Financial Reporting Standards, Internal Credit Risk Ratings & Risk Instruments, Bank Critical Asset Valuation
Approach to IFRS, Time Series Analysis & Forecasting, Core Credit, Financial Analysis, Credit Evaluation and
Relational Database Concepts; Civil Service Professional eligible, and a passer of the Philippine National Police
Commissionship.
Character references available upon request.
